from AED 580 | 5+ Vehicles | Bulk Savings
Motor Fleet Insurance UAE 2026 from AED 580 per Vehicle
Fleet Motor Cover across the UAE. 5 Plus Vehicles on One Policy. Bulk pricing and telematics discounts for delivery bikes, taxis, logistics trucks, and corporate fleets.
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DHA Broker BRK-0017
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CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
1.5M+ Customers
35 Insurers on one screen
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
1.5M+ Customers
35 Insurers on one screen
Sanad Club Rewards
CBUAE Licence 273
DHA Broker BRK-0017
35+ Approved Insurers
1.5M+ Customers
35 Insurers on one screen
Sanad Club Rewards
Motor Fleet Insurance UAE 2026 from AED 580 per Vehicle
Fleet Motor Cover across the UAE. 5 Plus Vehicles on One Policy. Bulk pricing for delivery riders, taxis, corporate cars, and logistics trucks.
A Motor Fleet policy covers 5 or more vehicles under a single schedule, unlocking bulk discounts of 15 to 35 percent versus individual policies. eSanad’s specialist desks handle each fleet class—from Talabat/Deliveroo rider networks and RTA taxi fleets to GCC cross-border logistics trucks—with the right wording and insurer SLAs. eSanad is licensed by the Central Bank of the UAE (Licence 273) and registered with the Dubai Health Authority (BRK-0017).
2026 Pricing Snapshot: Motor Fleet Rates
| Fleet Type | Typical Size | Rate per Vehicle From (AED) | Cover Type |
|---|---|---|---|
| Delivery Bikes (150cc) | 100 to 500 | 580 | TPL plus PA Driver |
| Delivery Bikes Comprehensive | 100+ | 950 | Fire, Theft, Own Damage |
| Taxi (Toyota Camry) | 50+ | 890 | 24/7 High-Mileage TPL |
| Ride-hail (Careem, Uber) | 30+ | 1,650 | Commercial Use Comp |
| Corporate Sedan Fleet | 20 to 100 | 1,280 | Named Driver Comp |
| Rent-a-car Sedan | 100+ | 4,800 | Any Driver (25+) Comp |
| School or Staff Bus | 10 to 50 | 3,200 | RTA Bus Category |
| 3-ton Delivery Truck | 20+ | 3,400 | Includes GIT Cover |
| Heavy Truck / Trailer | 10+ | 7,800 | GCC Cross-Border |
Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.
The eSanad Advantage for Fleets
- Single Schedule: One policy for all vehicles with instant additions and deletions.
- Group NCD: Up to 45 percent discount based on aggregate clean loss ratio.
- Telematics Discount: Earn up to 15 percent off with approved vendors like Cartrack, Geotab, and Locatrix.
- Driver Training Credits: 5-8 percent discount for RTA/ADES certified defensive driving.
- Profit Commission: Cash-back on eligible schemes if loss ratio remains below 60 percent.
- MIS Dashboard: Monthly loss-run reporting with frequency, severity, and driver analytics.
Compliance: RTA 2024 Delivery Rider Safety Code
Dubai RTA’s 2024 code for Talabat, Deliveroo, and rider networks mandates:
- Driver PA: Mandatory AED 200,000 personal accident cover per rider.
- Vehicle Safety: Registered delivery box, high-vis jacket, and certified helmet.
- Monitoring: Speed-limiters and geo-tracking must be active on the app.
- Licensing: Valid UAE motorcycle licence (no food-delivery exemptions allowed).
eSanad policies for rider fleets are 100% compliant with these RTA regulations, starting from AED 580 per year.
Fleet Coverage Options
- Comprehensive Fleet: Own damage, theft, fire, and flood. Includes unlimited TPL and optional agency repair.
- TPL Fleet: The legal minimum for bodily injury and third-party property damage.
- Goods in Transit (GIT): Essential for delivery and logistics fleets to cover cargo up to AED 100,000.
- GCC Territorial Extension: Cross-border cover for trucks operating into Saudi Arabia (Batha/Al Ghuwaifat) and Oman.
EEAT: Trust, Expertise & Practical Tips
Experience: Fleet placements for major rider networks, taxi companies, rental majors, and school bus operators since 2010.
Expertise: In-depth knowledge of fleet telematics, driver risk management, and RTA safety code compliance.
Fleet Manager Tips
- Tip 1: Use Telematics. Installing approved geo-tracking earns an instant 10-15% discount and provides data to defend against fraudulent claims.
- Tip 2: Mixed-Cover Strategies. Run TPL-only on fully depreciated older vehicles and Comprehensive on new units within the same policy to lower total cost.
- Tip 3: Monthly Driver Register Audits. Update your employee driver list monthly with eSanad to ensure silent endorsement and avoid claim declines for unauthorized use.
Frequently Asked Questions
5 vehicles with eSanad partners. This is one of the lowest thresholds in the UAE market, perfect for growing SMEs.
Pricing is based on aggregate claim history. Typically, you save 10% for 5-20 vehicles, 20% for 20-50 vehicles, and 30%+ for fleets larger than 50.
Not mandatory, but highly recommended as it earns a significant discount and improves your loss-ratio over time.
Yes, but only if "Commercial Use" is declared. Standard private-use policies are void if used for hire and reward.
Yes. We offer instant endorsements at your fleet average rate, pro-rated to the policy expiry date.
If your fleet maintains a loss ratio below 60% at year-end, the insurer may refund a portion of your premium (typically 10-20%).
Yes, via territorial extensions for Saudi Arabia and Oman. This typically adds a 20-35% load to the base premium.
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© 2026 eSanad Insurance Broker. Licensed by the Central Bank of the UAE (Licence 273) and registered with the Dubai Health Authority (BRK-0017).
Contact our Fleet Desk at 600-500888 or Info@esanad.com for bulk logistics and rider quotes.